Tammi Rowe

Resources

Our Process

Movement Mortgage understands that purchasing a home is one of the biggest purchases of a lifetime. Our competitor's approach to the mortgage process is notorious for being drawn out, stressful, and risky. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Currently over 70% of our loans are processed within 7 business days or less! Movement is excited to bring you home faster.

STEP 1You submit an electronic applicationSTEP 2The underwriter aims to make a decision within 6 hoursSTEP 3The loan is processed according to a 7 Day Processing goalSTEP 4The loan, if approved, is ready to close!

Mortgage Calculator

More Calculators

This calculator is provided for illustrative purposes and any amount calculated is an estimate only. The rates and payments shown do not factor in all your information. Any calculations are only based on information you have provided. Your specific situation may warrant a higher rate and payment based on credit history, income, and many other factors. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.

Products

I don't have a lot of money for a down payment

Short on savings to put the standard 20% (or 15% or even 10%) down? Never fear, Movement has several low down payment loan options your loan officer can see if you qualify for. Check out a few that may be right for you.

FHA
If you’d love to buy a home but lack credit, a down payment, or are unable to cover closing costs, an FHA loan may be the solution. FHA financing was developed to provide homebuyers with an alternative to conventional financing and include attractive and flexible guidelines.

Fannie Mae HomeReady
If you’re a homebuyer with a good credit history and a stable job, but not a lot saved for a down payment, the Fannie Mae HomeReady™ mortgage may be for you. HomeReady is a fixed-rate, affordable housing program for creditworthy, low-to-moderate income borrowers.

Freddie Mac Home Possible and Home Possible Advantage
Looking for a fixed-rate conventional loan that goes easy on the down payment requirement? Look no further than the Freddie Mac Home Possible and Home Possible Advantage mortgage options. Both are for qualified borrowers with good credit history who may have difficulty saving for a down payment. Contact me to learn more

I want to buy a house that needs some repairs

As renovation and home improvement loans become more and more popular in today’s housing market, Movement offers products such as FHA 203k and Fannie Mae HomeStyle renovation programs to help homebuyers get one loan for both purchase and renovation costs.

A renovation loan program can
• Help you improve or upgrade a home before move-in
• Save your loan approval by increasing the value of a worn down or neglected property
• Save you from separate financing for home purchase and the renovation costs
Contact me to learn more

I'm interested in refinancing for a better mortgage rate or taking advantage of built-up equity

Yes, Movement Mortgage can help you refinance your home if the time is right to lock in a better mortgage rate, or if you’re a longtime homeowner who would like to tap into built-up home equity.Contact me to learn more

I want to make sure my rate stays the same

One of our most popular mortgage products is a traditional fixed rate loan. This product gives homebuyers the comfort and ease of a consistent interest rate that will not change throughout the life of their loan. A fixed rate mortgage also provides our homebuyers with better control and flexibility to budget their finances.

• Low down payment options available for qualified borrowers.
• Provides for cash-out refinances.
• Loan amounts available up to $424,100.00
• 10, 15, 20, and 30 year terms available.Contact me to learn more

I'm 62 or older and interested in capitalizing on the equity in my homes to secure financial independence

Movement Mortgage is one of the nation's most trusted originators of Reverse Mortgages. We help homeowners, ages 62 and older,
capitalize on the equity they've built in their homes to secure financial independence and peace of mind.
The government-insured Reverse Mortgage Program allows these individuals the ability to access equity within their home,
by receiving tax-free advances to spend as they choose.

FAQs

What price point is right for me?

While keeping your financial health our main priority, Movement Mortgage will determine your borrowing power after considering multiple factors such as your monthly income, employment history, credit score, and overall credit-worthiness. One of our most valuable pieces of advice is that only you can determine the mortgage debt that you're willing to bear, based on your future financial goals. Movement Mortgage provides expert advice to assist you with how much you can comfortably afford to borrow. Contact me to learn more

Can I still buy a home without 20% to put down?

Absolutely. Movement Mortgage offers a large variety of available financing options for potential buyers with little or no down payment. We've even received recognition and an award for helping borrowers get financed with federal programs which offer forgivable down payment assistance. Contact me to learn more

Are there any upfront costs I need to budget for? If so, how much should I budget?

Yes. Movement Mortgage suggests a thorough conversation regarding all fees and closing costs associated with sealing the deal of your home. To avoid any last minute surprises, it is essential to plan in advance for various out of pocket costs such as an appraisal, title insurance, and other costs depending on your specific loan situation. For example, some sellers will pay for all or some of your closing costs. Contact me to learn more

Is getting pre-approved better than getting pre-qualified?

YES. A common mistake homebuyers make, is assuming that getting pre-qualified is substantial enough in a busy market full of other buyers all vying for the same home. In today's market, pre-approval is the way to go. Movement's 7 Day Processing and upfront underwriting will brings our borrowers as close to a cash-transaction as they can get. This gives our borrowers an exceptionally rare advantage in the eyes of a seller, truly setting them above the rest. Contact me to learn more

How much do I need for a down payment?

Movement experts are here to guide you into the best choice to protect your financial goals and maximize the best rate of return on your investment. Depending on the type of loan you are financing, you may be required to make a down payment ranging from 0 to 20%. There are many advantages to both small and large down payments, including income tax benefits and keeping a portion of the funds available as a financial cushion. Our Loan Officer's provide guidance to our borrowers on their options and the outcomes of each. Contact me to learn more

How long does it take to obtain a mortgage and close on a house?

While competitors are pushing their closing dates back from anywhere between 30 to 90+ days, Movement Mortgage is setting records in the industry with 7 Day Processing and upfront underwriting. We have streamlined these innovative processes, allowing our Loan Officers to move closing dates up when requested by real estate agents. Imagine: you get the keys to your dream home while others are stuck waiting for underwriting approval. Contact me to learn more

How does my credit score affect my borrowing power?

Your credit score in addition to other significant factors such as employment history, debt, and monthly income, all play a role in determining your credit-worthiness to the lender. Movement Mortgage offers valuable advice and encourages borrowers to get pre-approved first, increasing their borrowing power for their future purchase. Contact me to learn more

What if I have more questions?

If you have more questions or were unable to find the answer to your question here, please give us a call. This is one of the biggest purchases of a lifetime, and Movement Mortgage believes in the importance of educating and arming our borrowers with as much knowledge as possible so they may comfortably and confidently purchase their dream home. Contact me to learn more

Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan application for properties located in New York will be accepted through this site. NC-I-128823 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by NC # L-142670. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. "Movement Mortgage" is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 8024 Calvin Hall Rd, Indian Land, SC 29707.